The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,766
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,475
−HK$719/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,666
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,327
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$689/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,103
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,320
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$863/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,393
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$827/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,724
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,873
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$1,008/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,933
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,458
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$965/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,344
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,980
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,254
−HK$1,295/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$46,199
+HK$2,650/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,589
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,240/mo
Today · 4.125%
HK$48,052
baseline
▲ 0.50% · 4.625%
HK$50,585
+HK$2,533/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$96,104/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,415 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).